Implementing a cost competitive Wells Fargo branch strategy as discussed in recent wsj article is much more important than reducing regional structure. Also, I think they have ignored the importance of discount brokerage. There are plenty of folks who trade daily at discount brokers. Many carry big balances in cash even though current rates are 1 bsp per year. Many folks are not going to flock into bbt wealth management and pay a large fee relative to their return to have their money "managed". Also, I have found their insurance services to be non-competitive. I use Liberty Mutual Insurance through Prudential and was able to reduce my house, auto and umbrella policies by 50%. I'm hooked into their online bill payment - otherwise I would consider switching my direct deposits and visa to another bank who provides services I want.
Military ever? USAA is full service everything financial for real people. Beyond financial, they provide members with many consumer services. Full disclosure - I have been a member 45 years now. My experience is they are family where I have encountered some very rude and pushy treatment from other big banks, for example when I wanted a VISA isolated from USAA for very limited internet activity.